cinder.fi
Budgeting, retirement, and tax optimization in one app
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Joseph Johansson

Cinderfi - Budgeting, retirement, and tax optimization in one app

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Cinderfi is the first tool that connects daily spending decisions to retirement outcomes. No existing product bridges both worlds. Budgeting apps (YNAB, Monarch, Copilot) track spending but ignore retirement math, while retirement planners (Boldin, ProjectionLab) model projections but have no idea what you actually spend.

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Joseph Johansson
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Hey ProductHunt! I'm Joseph, the builder behind Cinderfi. I started this project because I was frustrated using separate tools for budgeting and retirement planning. YNAB tells me I overspent on dining but so what? Boldin tells me I can retire at 62 but disconnected from my actual spending. Neither tool answers the question I actually care about: how does my spending today affect when I can stop working? Cinderfi is aiming to be the your one end to end financial platform by combining spending, retirement, tax optimization, and investment tracking A few things I'm proud of - Retirement cost per transaction: that $6 latte isn't just $6, it's 2 days of retirement when you compound it over 20 years - Works for both Canada and the US — real provincial/state tax brackets, not flat estimates - Privacy-first: runs offline with IndexedDB, Supabase sync is optional, no ads - MCP server: ask Claude about your retirement plan in natural language - Free tier is genuinely useful... no 14-day trial bait I'd love to hear what features you'd want to see next. I'm building in public and shipping fast I went from v0 to v1.3 in three weeks.